How much money do you start with in Monopoly? Guide to play it! 

how much money do you start with in Monopoly

Introduced back in the early 1900s, the Monopoly board game is one of the finest and most educational gameplay of all time. From taxation to property rental management and other aspects of economics, Monopoly has earned its repute fair and square. Among those who play Monopoly for the first time, the main question stands “how much money do you start with in Monopoly?” 

As you already know, Monopoly board games come with pretend currency notes. According to the basic rules of the game, each player gets an equal amount of money to begin playing. When the game moves ahead, players purchase property to pay rent for rental property, taxes, and other expenditures. Once a player is out of currency notes, it means that the mentioned player is bankrupt. As a consequence, the bankrupt player faces a defeat. Other players keep playing. 

Image credit: Pixel

Commenced 87 years ago, the Monopoly game has also been improvised over the time period. Multiple versions of Monopoly such as Ultimate Banking Edition, Empire, Game of Thrones, Super Mario, Monopoly Classic, and Original have taken place in the market. 

Here’s a fun fact: do you know? All over the world, there are 300 types of Monopoly board games based on different themes for people of all ages. For instance, Monopoly pokemon is quite prominent among kids of age up to 7. Fortunately, the basic rules of Monopoly and guidelines on how much money do you start with in Monopoly remain the same. 

With all that in mind, let’s comprehend the monetary aspect of Monopoly. In this guide, you will also learn how to play Monopoly with 2 or more two players. Let’s get started: 

How do you play a monopoly game? 

As mentioned before, the Monopoly game is a board game based on aspects of economics. Now, each Monopoly game comes with a limited amount of money, that is, $20,580 (USA version). Based on how much money do you start with in Monopoly (per player)? This total monetary value is divided among the players. Once each player has equivalent monopoly money in hand, the gameplay begins. 

In simple words, one by one, each player rolls 2 dice on the board’s surface. Based on what is the total value of dice the player has received, such a player moves the same number of steps ahead, starting from the “GO” logo.

how much money do you start with in Monopoly

Image credit: Insider

Thus, let’s suppose, from the “GO,” point, a player lands on the “California” block on the board. It means that the player has a choice to purchase property in California. Now, in the event that a player does not want to purchase this property, he/she can avoid it. But, in this case, the bank will put up the property for auction. All the players will start bidding on this property. The player with the highest bidding value wins the property. 

Note: In each Monopoly game, one player joins the game as “The Banker.” The basic ruling of Monopoly states that each game begins with “Banker throwing the dice first.” From the banker, the game begins in a clockwise direction. 

How much money do you start with in Monopoly Classic?

To begin with, in monopoly classic games, each board comes with $20,580 in Cash (counterfeit notes of $1, $5, $20, $50, $100, and $500). According to the rules of the game, each player in Monopoly starts with the following rigid distribution of notes: 

Number of Notes Value of Note
Five  $1
Five $5
Six $20
Five $10
Two $50
Two $100
Two $500


Henceforth, each player in Monopoly starts with a total of $1500 in cash (monopoly notes). Please note that each player is given notes based on the above table only. 

Now, let’s suppose there are a maximum of eight players playing Monopoly. Each player has $1500. As a result, $12000 valued notes have been distributed. What to do with the remaining 8580 USD? Here’s your answer: 

Image credit: The Spruce Crafts and Margot Cavin

In Monopoly, the rest of the money is kept aside in order to fulfill the ups and downs that come up when anyone lands on “Chances” or “Chests.” For example, let’s suppose a player landed on chances. It means he will pick a card from the “chances” section on the monopoly board. Now, let’s suppose the chance card says “collect $200.” It means that the player has received a $200 reward which he will get from the money kept aside. 

How much money do you start with in other Monopoly Gameplays? 

As you know already, there are multiple new versions of Monopoly board games that are prominent, other than the classic. For example, Monopoly millionaire, Junior, Empire, Electronic, Cheater, and so on. 

Apart from the classic, each monopoly game has its own distribution rule. Thus, the answer for how much money do you start with in Monopoly? is different based on the version you have. 

Following is the list of games and tables to define their distribution. Take it into reference: 

Monopoly Cheaters Edition: 

Number of Notes Value of Note
Four $100
Two $500
One $20
Three $10
One $50


In Monopoly Cheaters Edition, there are no $1 and $5 notes. Each player begins the game with $1500 in hand. 

Monopoly Millionaire edition: 

Number of Notes Value of Note
Two  $1000
Two $5000
Two $10000
Two $20000
Two $50000
Two $100000


As the table suggests, each player in monopoly millionaire begins with 372000 money value in hand. 

Monopoly Junior edition for Kids:

In Monopoly Junior, all notes are valued at $1. Thus, the question, how much money do you start with in Monopoly junior, depends on the number of players. For example, each player begins with $16 in hand. 

Image credit: PlentiFun

Monopoly Empire edition: 

This is one of the prominent editions of the Monopoly economics board game with the highest values in hand. Each player starts with: 

Number of Notes Value of Note
Two  $50, 000
Four $100, 000
One $500, 000


Total: 1, 000, 000 USD. 

Bonus tip:

Apart from the above-mentioned distinct games, other gameplays like monopoly pokemon, monopoly Super Mario, Game of Thrones, Star Wars, etc., have the same money distribution as Monopoly Classic. 

Let’s play Monopoly: What are the different aspects of this game? 

Once you play the Monopoly game, it seems quite simple. However, for beginners, it may seem a bit confusing. But, don’t worry! This reading will help you become an expert at Monopoly. In this game, you, at one point, see a pattern. That pattern is: 

  1. Distribute the money (based on how much money do you start with in Monopoly – answers given above).
  2. Next, Banker rolls the dice.
  3. Moves ahead, based on the number that dice deliver (for example, 2 +1, Banker moves 3 steps ahead, right to the left).
  4. Now, if a banker lands on a property, he either purchases it or puts it up for auction. Apart from property, other expenditures may also come.
  5. Similarly, the player next to the Banker rolls the dice next and moves ahead. 

In this way, the game of Monopoly moves ahead. Based on expenditures done, rewards received, and so on, once a player is out of cash, he is out of the game. Now, it must be clear to you that the person with cash in hand at the end wins the game. 

Bonus tip: The player with the highest number of dice rolls begins to move ahead first. For example, let’s suppose the Banker has 2+1 (3) rolled. In comparison, the next player had 5+6 (11). Thus, the second player will begin using his respective token (placed on GO). 

There are a total of four mainstream aspects of the game which allow the player to win or lose money. Let’s take a glance: 

#1: GO (When a player lands on the GO mark in the corner). 

 According to the ruling of Monopoly, whenever a player lands on or overcomes the “GO” mark, for that matter. In this scenario, the Banker gives “200 USD” to the player. It is called salary. However, there are two exceptions: 

  • The player does not receive a $200 salary for moving from one GO mark to the other. Instead, he only receives $200 when he has gone around the GO mark and circled back to it. 
how much money do you start with in Monopoly

Image credit: Business Insider India

  • In the event that the player overcomes the “GO” mark as well as is rewarded with a “Chance” or “chest” card that says “Advance to GO.” In this case, the player is assumed to overcome the GO mark two times. Henceforth, totaling the reward to $400. 

#2: Landing on Rental Property

One by one, when each player goes around, they throw dice on the monopoly board. There is a higher chance that one of the players will land on the property. Let’s suppose the first player has purchased this property. Now, when the next player lands on the property already purchased by the first player, the landing party needs to pay rent. To check rent value, look at the title deed card. 

Bonus Tip: Do ask the player for rent if you own the property. In the event that another player throws dice before you ask for rent. You are no longer eligible to ask for rent. 

#3: Purchase/Sell a Property – How much money do you start with in Monopoly?

When your token lands on a property which is open for purchase (as no other player owns it), you have the first right to purchase it from the bank. In the event that you skip this opportunity, the bank holds the right to sell the property to another player bidding high on property. 

how much money do you start with in Monopoly

Image credit: Monopoly land

You can only sell the property to the bank in the event that you are going out of cash. Bank will only bid you 1.5 X the original value of the property in return. 

In Monopoly, you can start purchasing property at $60, depending on the condition of the property. A property’s value in monopoly can go up to 400 USD.

#4: Income Tax

Whenever a player lands on a block that says “income tax,” it means that you either have to spend time in jail or in free parking. There are downsides and advantages of both alternatives. For example, in the event that you go to jail, you still have the power over the properties you have purchased, move ahead in the game, and bid. However, you cannot collect any rewards (Advance to Go, for example). 

On the other hand, if you pick “Free parking,” you cannot deal with or use money, property, reward, etc.

Image credit: The Spruce Crafts and Candace Madonna

In order to get out of jail or free parking, you either pay a penalty fee to the bank or use a card that benefits your position. 

Apart from the above-mentioned aspects of the gameplay, others that matter are Mortgages, shortage of property, color-group property deals, housing, etc. 

Quick Tips to win the game of Monopoly – how much money do you start with in Monopoly? 

In many players’ experiences, the rules of Monopoly seem simple in the beginning. As a matter of fact, beginners read Monopoly’s theoretical material and seem to have learned it all. 

However, often, beginners in Monopoly fail. Why? For the most part, practical experience in this game is very significant. Here are some tips you can consider to win Monopoly on your terms next time:

Do not avoid purchasing properties in order to save cash. Instead, purchase properties so that when you are about to go bankrupt, you can sell the property to the Banker during the shortage phase. 

  • Think like a landlord when you have purchased a property/land. Do not let it go to waste. Instead, use utilities to build hotels and households on land you own. It will allow you to hike the rent. 


  • Don’t panic when you are in jail. Whenever in Monopoly, a player lands in jail, for them, the game ends. But, do you know, the jail offers you the biggest advantage such as you can no longer spend money. Thus, for the next rounds, you can simply play without the liability of paying rent or using utilities. 
how much money do you start with in Monopoly

Image credit: GameSaver, Lightfield Studios, and Shutterstock

  • Remember, the property owner is the winner mostly. In our experience of years in Monopoly, it has become crystal clear that the player who owns most of the properties has a higher chance of winning. Why? The reason is properties are most valued. 


  • How much money do you start with in Monopoly? In our view, start with $1,500 and grasp opportunities to increase money by taking risks on chances and chest cards. 


So, are you ready for a monopoly marathon this weekend with friends and family? Here’s good news, now you can play Monopoly online. Go check out for the best Monopoly online games based on your zip code. Good luck.

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